Insurance Research; Renames Florida Catastrophic Storm Risk Management Center to Florida Center for Excellence in Insurance & Risk Management; revises provisions relating to center; requires center to manage public hurricane loss projection model & use public model when necessary; revises provisions & provides type II transfer relating to pubic model.
Activities of Special Districts; Authorizes certain special districts to jointly enter into, participate in, establish, or control specified joint relationships or collaborations if certain determination is made by such districts; authorizes such districts to exercise such powers regardless of certain consequences as result of exercising such power.
Pub. Rec./County and City Administrators and Managers; Provides exemption from public records requirements for personal identifying & location information of current county administrators, deputy county administrators, assistant county administrators, city managers, deputy city managers, & assistant city managers, including names & personal identifying & location information of spouses & children of current county administrators, deputy county administrators, assistant county administrators, city managers, deputy city managers, & assistant city managers; provides for future legislative review & repeal; provides for retroactive application; provides statement of public necessity.
Insurers' Liabilities and Responsibilities; Requires surplus lines insurers to comply with valued policy law; requires insurers' decisions to deny claims to be reviewed, approved, & signed off by qualified human professionals; prohibits artificial intelligence, machine learning algorithms, & automated systems from serving as basis for denying claims; requires insurers to maintain certain records of human review process for denied claims; requires insurers to include certain information in denial communications to claimants; authorizes OIR to audit claim denials.
Residential Property Insurance Policy Cancellations, Nonrenewals, and Rate Changes; Prohibits insurers from canceling or nonrenewing, within certain timeframes, policies covering personal residential or commercial residential properties damaged by hurricanes or wind losses; provides that such prohibition applies to flood damages caused by hurricanes; provides that insurer may not cancel personal residential or commercial residential property insurance policies until certain repairs are made or specified policy renewal expires; prohibits certain claims for loss or damage from being covered under extended or renewed policy.
Attorney Fee Awards in Insurance Actions; Requires court to award attorney fees to prevailing parties in civil actions brought against surplus lines insurers & insurers by named or omnibus insureds or named beneficiaries; provides guidelines to determine prevailing parties; provides applicability of prevailing party attorney fee provision to specified insurers, insurance policies or coverage types, & rate standards & to claims presented to specified guaranty associations.
Hurricane Mitigation Grants and Insurers' Regulations; Specifies that hurricane mitigation grants funded through My Safe Florida Home Program may be awarded only under certain circumstances; requires DFS to require that certain mitigation improvements be made as condition of reimbursing homeowner approved for grant; increases surpluses required for certain insurers applying for their original certificates of authority & maintaining their certificates of authority; specifies prohibitions for persons who were officers or directors of insolvent insurer, officers or directors of managing general agent of insolvent insurer, attorneys in fact of insolvent reciprocal insurer, or officers or directors of attorney in fact of insolvent reciprocal insurer; requires OIR to prohibit insurers or reciprocal insurers from paying any compensation to certain persons for certain violations until violations are remedied; requires that insurers' final decisions to deny claims or portions of claims be made by qualified human professionals.
Maddy summaryHB 1199 prohibits state and local government entities from applying for or approving permits for specific types of solid waste facilities. This bill directly affects local governments, state agencies, and waste management operators by restricting their ability to authorize new facilities. The key mechanism is a clear ban on permit applications and approvals for designated waste facilities, without creating new programs or funding. The bill focuses solely on regulatory action, not environmental standards or facility operations. (1 sentence, as it is procedural).
Maddy summaryHB 1123, titled "Sewer Collection Systems," authorizes municipalities to use designated funds for specific improvements to sewer collection infrastructure. The bill directly affects local governments (such as cities and towns) that manage sewer systems by allowing them to redirect existing funds toward these projects. Key provisions include permitting municipalities to allocate funds for sewer system maintenance, upgrades, or repairs as defined within the bill. This legislation does not create new taxes or requirements but provides a targeted mechanism for using existing municipal funds. The exact purpose for fund allocation is specified in the bill's text.
Reporting of Student Mental Health Outcomes ; Requires OPPAGA to submit initial specified evaluation to Governor & Legislature by specified date; requires office to submit final specified evaluation to Governor & Legislature by specified date; provides evaluation requirements.
